Home Loan Options by Scenario

Since 1999, GMFS Mortgage has been CHANGING LIVES by helping our customers  find the best home loan solution for their situation.  As a general guide, we have provided links to mortgage products that typically work best for each home loan scenario below.

*Due to COVID-19 pandemic, there are temporary changes in some programs regarding qualification criteria. 

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No down payment or low down payment to purchase a home

Refinance mortgage to save money or get additional cash

Cash-Out Refinance
FHA Streamline Refinance
First Responder Offer

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Purchase a second home or investment property

Home loan between $510,400 and $3M

Home borrower is a First Responder

GMFS Mortgage First Responder Offer

Law Enforcement | Fire Fighters | EMS Medics

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Over 100,000 customers and $20 billion in residential mortgage funding in 23 states


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GMFS staff has an avg. of 14+ years of mortgage industry experience